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                                Patricia Radomski
                                  860 Broadway
                            Bayonne, New Jersey 07002

                                   May 3, 2004

Dear Fellow Shareholder:

I'm writing to you because I feel strongly about Bayonne  Community Bank and its
future.  My  entire  professional  career  has  been in  banking  in the City of
Bayonne,  and I have  watched  the  banking  world  change all around me over my
30-year career. I was born and raised in Bayonne and know this community well.

I was one of the first employees of Bayonne Community Bank, and I invested in it
when the opportunity  was presented to me. Today,  with the exception of several
Board members,  I am the single largest  shareholder.  I am concerned  about the
Bank's future -- both as an investor,  and as a loyal  employee who wants to see
it continue to succeed and grow.

I have  watched  this Bank  grow from the  inside,  seen the  decisions  made by
management  and the kind of policies  and  products  put in place over its short
history.  I have seen how  competitive  this Bank is and can be,  because of how
well we serve our customers and reward our shareholders.

There is no doubt in my mind that this Bank is well managed. The management team
is committed to the people of Bayonne and to its  shareholders.  They understand
that those two commitments must go hand in hand for us to reach our potential.

This  unfortunate  fight at the Board level is about  competition and choice for
consumers.  When you have a Bank as  successful  as Bayonne  Community  Bank, it
shakes up the market. Bayonne Community Bank has a business plan that is working
beyond anyone's expectations.

Selling now would  eliminate  the choice for  consumers  on which our success is
based. Bayonne Community Bank has exceptional  management that after three years
is only  beginning to realize the potential of this Bank. It should not be sold.
I say: "let us continue to compete and grow."

I  recommend  that  you  vote  the  WHITE  CARD,  which  is  enclosed  for  your
convenience,  and support the slate of directors who are committed to continuing
the Bank's growth  according to the business  plan that has brought  customers a
new choice in Bayonne, and shareholders so much success.

If you want to talk to me, call me at the Bank. I'm at  201.823.0700,  extension
3115. Thank you for taking the time to listen to me.


/s/ Patricia Radomski
Patricia Radomski
Operations Manager
Bayonne Community Bank